CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: Centerpoint Medical Center

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $1,074
Cash Discount Price: $12,802
vs. Medicare Baseline: 4.41x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at Centerpoint Medical Center is $1,074. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $12,802. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 4.41x the Medicare baseline. Located in 19600 East 39Th Street, Independence, MO.

Cash / Self-Pay

$12,802

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,074

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $12,802 (5252%)

Insurance Median: $1,074 (441%)

Cash: $12,802 (5252% of Medicare)

Ins. Median: $1,074 (441% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 441% of the Medicare baseline (a markup of 341%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Global Sports Services	$25	10%
United	$131 - $5,761	54%
Healthyblue	$134	55%
Medicaid / KanCare	$135	55%
Amerigroup	$136	56%
Unicare	$136	56%
Home State Health Plan	$138	57%
Multiplan	$197 - $9,474	81%
Aetna	$204 - $6,529	84%
Corvel Corporation	$234 - $8,322	96%
Oha Network	$243 - $6,401	100%
Cigna	$272 - $10,242	112%
Blue Cross Blue Shield	$622 - $5,889	255%
Humana	$711 - $918	292%
Ambetter / Centene	$2,381	977%
Nhc Advantage	$2,432	998%
Wppa Providrs Care Network	$2,560	1050%
Universal Healthcare	$4,481	1838%
Coventry	$5,147	2111%
Coventry Kc Mo	$5,249	2153%
College Park Family Care Center	$5,505	2258%
Cco, Inc.	$10,882	4464%
Focus Healthcare Mgmt, Inc	$11,522	4727%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $12,802.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72148.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Centerpoint Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72148.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.